Short Term Farm Finance & Farm Bridging Loans
Short Term Farm Finance – At a Glance
Farm & Country Finance has been successfully arranging short term rural and farm finance for many years. Our success comes from knowing where to look, having the right lender relationships, and the experience to deliver results — no matter what challenges arise.
Our hands-on approach ensures you receive the best possible service.
“We wish we’d come to you first” – feedback we often hear from clients.
Our Credentials
- Specialist brokers in short term rural finance and farm bridging loans across the UK
- Established in 2000, with decades of hands-on experience
- Finance available for farms, smallholdings, rural businesses, equestrian properties, and land with or without buildings
- Funding for any legal purpose: debt consolidation, overdraft repayment, diversification, renovation, development, working capital
- Independent access to flexible lenders who consider all income sources, including projected income
- Loan terms from 3 months up to 5 years
- Options for rolled-up interest to ease cash flow
- Support available where traditional banks say no or relationships are strained
- Coverage across England, Wales, Scotland, with a funder in Northern Ireland
- Free consultation on your short term farm finance options
Farm Bridging Loans & Short Term Rural Finance – In Detail
A bridging loan is a short term arrangement secured by a first or second legal charge on UK property.
If you have a property to sell and one to buy, or need to acquire a farm quickly, short term rural finance may be the right solution. These loans are also useful if you want to regain control of the sale of property you already own.
Choosing the right intermediary is essential to secure the best outcome.
Repayment Options
- Interest paid monthly, or rolled up and repaid at the end of the term
- Loan terms from 3 months up to 5 years
- Extended options where loans can run indefinitely provided interest is serviced monthly
- Part repayments may be possible
Other Terms You May Hear
- Bridging loan for land / land bridging finance
- Farm bridging loans / farm bridging finance
- Agricultural bridging loans / agricultural bridging finance
- Bridging loan for agricultural property
- Equestrian bridging loans / equestrian bridging finance
- Bridging loan for smallholdings or rural property
- Bridging loan for properties with agricultural ties or occupancy restrictions
Key Points About Short Term Rural Finance
- Used to refinance or purchase rural property
- Can raise capital for any legal purpose
- Common uses: buildings, stables, debt repayment, diversification, development, renovation, working capital
- Lenders may consider projected income or cases with limited proof of income
- Specialist lenders are often more flexible than high street banks
- Useful in challenging situations such as replacing bank debt or avoiding receivership
- We consider cases involving arrears, judgments, or creditor pressure
Why Use Farm & Country Finance?
- One of the UK’s most reputable sources of short term rural finance
- Independent, experienced, and hands-on approach
- Legal knowledge to assist with complex cases
- Personal guidance throughout the application process
- Expertise to help you avoid costly pitfalls
Other Things to Consider
- Experience: Established in 2000 with decades of rural finance success
- Customer satisfaction: Testimonials available at https://www.farmandcountryfinance.co.uk/client-testimonials/
- Professionalism: Backed by qualifications and specialist expertise
- Confidence: A natural choice to arrange your farm bridging loan
Frequently Asked Questions
Is short term farm finance like a house mortgage?
The principle is similar — a lender takes a charge over property — but availability is far more limited. Specialist brokers are essential in this market.
What if my existing lender is being difficult?
We regularly assist clients where banking relationships are strained and work to find practical solutions.
Can short term farm finance repay a bank overdraft?
Yes. Bridging loans are frequently used to clear overdrafts and stabilise cash flow.
How hard is it to get short term farm bridging finance?
It is not difficult when placed with the right lender. We guide you through the most suitable options.
Is finance available if my accounts are behind?
Yes. Some lenders accept projected income or limited proof of income.
Can I obtain finance with adverse credit?
We review all cases individually. Adverse credit is not necessarily a barrier.
What if the property has planning restrictions?
Properties with agricultural ties or occupancy conditions require specialist knowledge. With over 20 years of experience, we can advise on viable funding options.
What Do I Do Next?
Contact Farm & Country Finance today, tell us your objectives, and we will work tirelessly to structure the right short term farm finance solution for you.
Other Types of Finance We Arrange
- Low rate farm finance
- Agricultural finance and agricultural mortgages
- Farm mortgages and remortgages
- Rural loans and rural property finance
- Land loans and mortgages for land
Call us today for expert advice and a free consultation on your short term farm finance requirements.
